Privacy Policy

CHRISTENSEN FINANCIAL CONSULTING, PLLC

Last Revised: April 20, 2026

Overview
Categories of Information CFC Collects
How CFC Collects Information
How CFC Uses Information
Who CFC Shares Information With
Use of Information for Marketing
Updating and Accessing Site User’s Information
Social Media Plugins
How CFC Protects Site User’s Information
Information Retention Period
Notice, Choice, and Control
Site User’s Data Privacy Rights
Changes to this Privacy Policy
Visiting CFC’s Websites from Outside the United States
Not Intended for Minors
How to Contact CFC
Supplemental Privacy Policies
1. Notice to California Residents at Collection
2. Cookies and IBA Policy

Overview.

You (“Site User”) are visiting a website owned and operated by Christensen Financial Consulting, PLLC and its subsidiaries (collectively, “CFC”). CFC is committed to maintaining Site User’s confidence and trust as it relates to the privacy and usage of Site User’s information. Please read below and learn how CFC collects, protects, shares, and uses Site User’s information as part of CFC’s technology platforms, and all of CFC’s products and services (“Service(s)”).

This Privacy Policy applies solely to information collected through the platforms operated by CFC or its affiliates where this policy is displayed, irrespective of the domain name or platform used to access such content (such platforms referred to hereafter as the “Website(s)” or “Site(s)”).

By using the Site, Site User agrees to the terms of this Privacy Policy. Please read this entire Privacy Policy before using or submitting information to us through this Site or any online resource. Whenever Site User submits information via this Site, Site User consents to the collection, processing, use and disclosure of such information in accordance with this Privacy Policy. If Site User does not agree to this Privacy Policy, Site User is not permitted to access or use the Site.

For purposes of this Privacy Policy, “Personal Information” shall mean any information by which Site User can be individually identified directly or in conjunction with other publicly available information, including, but not limited to Site User’s name, address, email address, telephone number,

and any financial information Site User may provide for purposes of completing a transaction with CFC. This Privacy Policy does not apply to information collected from offline resources and communications, except in cases where such information is consolidated with Personal Information collected by CFC through this Site. This Privacy Policy does not apply to any third-party websites linked to this Site. CFC is not responsible for the privacy practices or the content of these third-party sites.

Notice to California Residents (Click here to learn more about Site User’s California Privacy Rights and for CFC’s Notice of Collection of Personal Information).

Cookies and IBA Policy (Click here to learn more about how CFC uses Cookies and how to opt-out of targeted advertising)

DISCLAIMER: The content appearing on any CFC websites, this Site, or other web- based resources is presented exclusively for informational purposes. Site User should not assume information submitted through this Site is subject to health, financial or legal privacy laws or regulations. Site User will not rely on any statements made on this Site as though it were professional advice.

Categories of Information CFC Collects.

Identifying Information: CFC collects information that could identify Site User including, but not limited to, Site User’s name, mailing address, telephone number, mobile number, and email address. This information may be gathered from direct interactions with Site User, cookies, or other tracking technologies.

Digital Interaction Information: CFC tracks how Site User interacts with CFC’s website and mobile app, including, page views, clicks on specific elements, and form submissions. This helps us understand user behavior and improve CFC’s services.

Technical and Device Information: Information about the device and technology Site User uses to access CFC’s services is collected, such as, device type, operating system, browser type and version, and IP address. This technical data supports service optimization and personalization of user experience.

Usage and Behavioral Data: CFC analyses Site User’s engagement with CFC’s services, which involves collecting data on time spent on CFC’s website, scroll depth on pages, and visit frequency.

Referral and Source Information: CFC may collect information about the sources through which Site User was referred to CFC’s services, aiding in marketing analysis and strategy.

How CFC Collects Information.

Information provided by Site User: Site User provides Site User’s personal information when Site User interacts with us, such as when Site User registers for CFC’s services, fill in forms, and communicate with us.

Information from cookies and other tracking technologies: CFC uses cookies, web beacons, and similar technologies to record Site User’s preferences, track the use of CFC’s Site and collect information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. CFC may combine this automatically collected log information with other information CFC collects about Site User. CFC will ask for Site User’s consent to place cookies except where such cookies are essential for CFC to operate its website. Site User may refuse to provide such consent, but some parts of CFC’s Site may not function properly. Site User may choose to withdraw consent any time. For more information on how CFC collects this information, see CFC’s Cookie and IBA Policy.]

How CFC uses Information.

Any Personal Information collected by CFC may be used for the following purposes:

For the business purposes of CFC or CFC’s business partners, including legally authorized marketing, sales, operational, and financial activities.

To comply with any requests from Site User, including requests to complete a transaction, receive certain information, or share content from this Site with another individual.

To better understand Site User’s needs and how CFC can improve CFC’s products and services.

To communicate with Site User about products or services Site User might find interesting.

To tailor Site User’s experience on CFC’s Site.

Where permitted by CFC’s arrangements with service providers, CFC may combine the Personal Information Site User shares through this Site with other information Site User has shared with us, both online and offline. CFC may also combine this Personal Information with records provided by third parties. CFC uses this consolidated information to help better design CFC’s services, to communicate information to Site User, to enhance marketing and research activities, and to facilitate other business functions.

Who CFC Shares Information With.

CFC may share Personal Information about Site User with CFC’s subsidiaries and affiliates. In addition, CFC may share Site User’s Personal Information with outside third parties solely for the following purposes:

To help fulfill CFC’s business transactions.

To conduct technical maintenance of CFC’s Site and other platforms.

To facilitate a merger, consolidation, transfer of control or other corporate reorganization in which CFC participates.

To facilitate a financing agreement in which the assets implicated include CFC’s technical or information resources.

To respond to appropriate requests of legitimate government authorities, or where required by applicable laws, court orders or government regulations.

Where needed for corporate audits or to investigate or respond to a complaint or security threat.

Use of Information for Marketing.

CFC will not sell or transfer Site User’s Personal Information to any non-affiliated entity for its own, independent direct marketing use unless CFC provides clear notice to Site User and obtains Site User’s explicit consent. CFC may use third-party advertising companies to place ads on other websites. These companies may use data about Site User’s visits to this Site and other websites to measure advertising effectiveness and to provide advertisements for CFC’s Site including services which may be of interest to Site User.

Updating and Accessing Site User’s Information.

CFC wants to be sure it keeps only the most accurate and up-to-date information about Site User in CFC’s records. If Site User is a client, Site User can update Site User’s information by contacting support through CFC’s Site. CFC may limit or deny access to Personal Information where providing such access would be unreasonably burdensome or expensive, or as provided by law. In some circumstances, CFC may charge a reasonable fee, where warranted, for access to and other requests regarding Personal Information.

Social Media Plugins.

This Site may use social media plugins to enable Site User to easily share information with others. When Site User visits this Site, the operator of the social media plugin may be able to place a cookie on Site User’s computer, enabling that operator to recognize individuals who have previously visited this Site. If Site User is logged into the associated social media website (e.g., Facebook, Twitter, Instagram, YouTube, LinkedIn, TikTok, or Pinterest) while browsing on this Site, the social media plugin allows that social media website to receive information about Site User’s visit to this Site. The social media plugin may also allow the social media website to share information about Site User’s activities on this Site with other users of their social media website. For more information about the information shared via a particular social media plugin, Site User should refer to that social media website’s privacy policy.

How CFC Protects Site User’s Information.

CFC and its affiliates, if applicable, take steps to protect Personal Information CFC accesses or receives through this Site from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. Nevertheless, CFC makes no guarantee as to the security of Site User’s Personal Information and disclaims, to the fullest extent permitted by law, all liability and damages caused by loss, misuse and unauthorized access, disclosure, alteration, or destruction. CFC recommends Site User take any available precautions to protect Personal Information it submits on this Site.

Information Retention Period.

CFC retains Personal Information for as long as needed or permitted in context of the purpose for which it was collected and consistent with applicable law. CFC calculates the retention period based upon the time the personal information is needed to: (a) fulfill the purposes described in this Privacy Policy, (b) meet the timelines required or recommended by regulators, professional bodies, or associations, (c) comply with applicable laws, legal holds, and other legal obligations (including contractual obligations), and (d) comply with Site User’s requests.

Notice, Choice, and Control.

Before Site User provides Personal Information to CFC, Site User will be provided with notice (including through this Privacy Policy) about the purposes for which CFC collects and uses Personal Information, how to contact CFC with any inquiries or complaints, the types of third parties to which CFC discloses Personal Information and the choices and means by which Site User can limit the use and disclosure of Site User’s Personal Information. CFC also will provide Site User with notice before using or disclosing Site User’s Personal Information for a purpose other than for which it was originally collected.

Site User’s Data Privacy Rights.

Depending on Site User’s residency, Site User may have specific rights regarding Site User’s personal information. CFC is committed to upholding these rights and will not discriminate against Site User for exercising them.

For US Residents:

Site User may have the right to confirm if CFC processes Site User’s personal information and, if so, access, correct, complete, object to or restrict processing, and delete certain personal information. Site User also has the rights to receive a portable copy of Site User’s personal information, opt-out of marketing communications, targeted advertising (not applicable in Iowa), and the sale of Site User’s personal information (except in Nevada, where Site User has a limited right to opt-out). Site User may also have additional rights under state laws, such as the California Consumer Privacy Act (CCPA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), and others. For details on these rights and how to exercise them, please contact CFC by emailing support@Christensenfc.com.

California residents may have the rights as described in CFC’s California Policy.

IMPORTANT: These rights are not absolute and are subject to exceptions. CFC will honor these rights to the extent CFC acts as a controller of Site User’s data and as required by applicable data privacy laws. Please consult Site User’s local data privacy laws to determine the specific rights available to Site User.

If Site User has any concerns or wish to appeal a decision regarding Site User’s requests, CFC encourages Site User to first contact support so CFC can address Site User’s concerns directly. If Site User is not satisfied with CFC’s response, Site User has the right to lodge a complaint with Site User’s local data privacy authority.

Changes to this Privacy Policy.

From time to time, CFC may revise this Privacy Policy to reflect changes to CFC’s business, Services, or applicable laws. If the revised version requires notice in accordance with applicable law, CFC will provide Site User with 30 days’ prior notice by posting notice of the change on CFC’s Site, otherwise changes to this Privacy Policy will be promptly reflected on this page. CFC recommends Site User review this Privacy Policy regularly for any changes. Continued use of CFC’s Site after publication of any change in CFC’s Privacy Policy indicates Site User’s consent to the use of newly submitted information in accordance with the amended Privacy Policy. The date on which this policy was last revised is located at the top of this Privacy Policy.

Visiting CFC’s Websites from Outside the United States.

This Site is directed towards users who reside in the United States of America. It is not CFC’s intent to gather Personal Information from individuals residing outside the United States of America on this Site.

Not Intended for Minors.

CFC’s Services are not designed or intended for use by children under the age of 18. Moreover, CFC does not knowingly collect any Personal Information from anyone under the age of 13 without the prior, verifiable consent of a parent or guardian in accordance with appropriate verification mechanisms under the Children’s Online Privacy Protection Act. Anyone under 13 years old should seek their parent’s or guardian’s permission prior to using or disclosing any Personal Information on this Site.

How to Contact CFC.

For any questions regarding this Privacy Policy, the Site, or Site User’s Personal Information, CFC can be reached by contacting support at CFC through the Site. Please do not include Site User’s credit card number or other sensitive information in Site User’s email. Site User can also write CFC at:

Christensen Financial Consulting, PLLC
9110 N Loop 1604 W
Ste 104#2225
San Antonio, Texas 78249

Supplemental Privacy Policies.

Depending on the specific Service Site User is using or specific interactions Site User has with CFC (such as when Site User applies for a job or work for CFC), CFC may provide different or supplemental privacy policies that describe and govern how CFC uses Site User’s personal information. When CFC does so, those different or supplemental privacy policies apply to that specific Service or those specific interactions. Of note, please review these supplemental privacy policies:

For California Consumers, please review CFC’s Notice at Collection for California Consumers under CCPA/CPRA (“California Policy”).

For more information on CFC’s use of cookies and other automated technologies as well as interest-based advertising, please review CFC’s Cookie and IBA Policy.

CHRISTENSEN FINANCIAL CONSULTING, PLLC.

SUPPLEMENTAL CALIFORNIA CONSUMER PRIVACY ACT (CCPA) NOTICE AT COLLECTION

Last Revised: July 15, 2024

This Notice at Collection for California Residents supplements the information contained in CFC’s Privacy Policy and applies to individuals who reside in the State of California. CFC provides this Notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) as amended by the California Privacy Rights Act of 2020 (“CPRA”). To the extent this Notice conflicts with CFC’s Privacy Policy, this Notice governs for California residents.

About this Policy

CFC = Christensen Financial Consulting, PLLC., a Professional Limited Liability Company, its banking and non-banking U.S. affiliates and subsidiaries and service providers (collectively, CFC”).

Site User = customers, consumers, employees, applicants, contractors, and visitors (including the entity or party for which they act as agents and representatives).

Personal Information = information that identifies, relates to, or could reasonably be linked with a particular California resident or household. However, personal information does not include publicly available, deidentified, or aggregate consumer information (which are all defined in CCPA/CPRA).

Sensitive Personal Information = a subtype of personal information consisting of specific information categories. While CFC collects information that falls within the sensitive personal information categories listed in the table below, the CCPA does not treat this information as sensitive because CFC does not collect or use it to infer characteristics about a person.

Sell/Sold = the disclosure of Personal Information for monetary or non-monetary benefits such as the ability to target advertising or enhance consumer profiles.

Sharing = the targeting of advertising to a consumer based on that consumer’s personal information obtained from the consumer’s activity across websites.

The specific Personal Information that CFC collects, uses, and discloses relating to a California resident covered by the CCPA will vary based on CFC’s relationship or interaction with that individual.

Under the laws of California and certain other US states, CFC is required to provide Site User with the following additional information about: (1) the purpose for which CFC uses each category of “personal information” it collects; and (2) the categories of third parties to which CFC (a) discloses such personal information for a business purpose, (b) “shares” personal information for “cross-context behavioral advertising,” and/or (c) “sells” such personal information.

Data Collection and Use

CFC collects certain categories of data including personal information and sensitive personal information about Site User for the business purposes listed in the chart below.

CFC may sell the categories of personal information or sensitive personal information CFC collects or share it with third parties for cross-context behavioral advertising, as indicated in the chart below. To opt-out of personal information sales or sharing, Site User may do so by emailing support@Christensenfc.com

To view CFC’s full privacy policy notice, visit Privacy Policy.

CFC may collect the personal information and sensitive personal information categories listed in the tables below. The tables also list, for each category, CFC’s expected retention period, use purposes, and whether CFC sells the information or shares it with third parties for cross- context behavioral advertising.

CFC collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or device (“personal information”). In particular, CFC may have collected the following categories of personal information from consumers within the last twelve (12) months:

Personal InformationCategory	Retention Period	Business Purpose	Sold orShared
Identifiers, such as real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, , or other similar identifiers.	This information will be retained for the duration necessary to fulfill the stated purposes, but not longer than 1 year after the last interaction with the user, unless a longer retention period is required by law.	To verify the user’s identity, provide personalized assistance, maintain the security of CFC’s services, communicate with Site User, and comply with legal and record-keeping obligations	No
Internet or other similar network activity, such as browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.	This data will be retained for a period not exceeding 1 year after the user’s last interaction with CFC’s website or services, unless CFC is required to retain this data for a longer period due to legal or regulatory obligations, to resolvedisputes, or enforce CFC’s agreements.	To improve website functionality, user experience, and for security purposes.	Shared
Geolocation data, such as physical location or movements.	Geolocation data will be retained for the duration necessary to provide the requested services to the user, but no longer than 1 year after the user’s last use of the service, unlessrequired by law.	To provide location- specific services and support, if applicable.	Shared
Inferences drawn from other personal information, such as a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, and aptitudes.	This information will be retained as long as necessary to provide CFC’s services to the user, but no longer than 1 year after CFC’s last interaction.	To personalize the services provided to veterans and improve service delivery.	Shared

How Long CFC Retains Site User’s Information

CFC retains Personal Information consistent with its record retention policies and as required by law. This enables CFC to comply with legal and regulatory requirements or use it where CFC needs to for CFC’s legitimate purposes such as managing Site User’s account and dealing with any disputes or concerns that may arise. CFC may need to retain Site User’s information for a longer period where CFC needs the information to comply with regulatory or legal requirements, or where CFC has another lawful reason to do so, e.g., fighting fraud and financial crime, responding to requests from regulators, etc. If CFC does not need to retain information for this period of time, CFC may destroy, delete, or anonymize it consistent with CFC’s records retention policies.

CFC’s Sources of Information

CFC obtains information from the following categories of sources:

Directly from Site User. From documents that Site User provides to us in order to apply for, obtain, or maintain CFC’s services.

Customer interactions. Through information CFC collects in the course of providing services to Site User, such as information collected during customer care interactions.

Third-Party Service Providers. From vendors and third-party service providers who work on CFC’s behalf for marketing, account opening, and servicing needs.
Directly and indirectly from activity on CFC’s websites or partner websites or via mobile applications. For example, from submissions through CFC’s website portal or website usage details collected automatically.

Online Activity. Directly and indirectly from Site User’s activity on CFC’s websites or partner websites, or via mobile applications, including but not limited to the use of Google Tracking and Facebook Pixel to understand website interactions and improve user experience. or platforms.

Recipients of Disclosures for Business Purposes

CFC discloses personal information for the business purposes described in the table above. When CFC discloses personal information for a business purpose, CFC enters a contract that describes the purposes and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

CFC discloses Site User’s personal information for a business purpose to the following categories of third parties:

CFC’s affiliates.

Business partners (e.g. Analytics companies, promoters, artists, fan clubs, sports teams, venue owners, etc.)

Data brokers (e.g. Marketing companies, advertising partners, etc.)

Service providers that act on CFC’s behalf, such as data storage providers, email providers, and advisors.

Third parties to whom Site User or Site User’s agents authorize us to disclose Site User’s personal information in connection with products or services CFC provides to Site User.

Additionally, for the purpose of analyzing web traffic and improving Site User’s experience on CFC’s website, CFC utilizes certain third-party services, including but not limited to Google tracking and Facebook Pixel. These third-party services may collect information such as Site User’s IP address, cookies, and other identifiers. While these services do not involve a direct contract for the disclosure of personal information, they are engaged under their respective terms of service and privacy policies, and the data collected may be shared with CFC for the business purposes as described above.

Site User’s Rights under CCPA

The CCPA provides California residents with specific rights regarding their personal information. This section describes Site User’s CCPA rights and explains how to exercise those rights.

Among other rights provided by CCPA, Site User has the right to request access to the personal information CFC collects about Site User, the right to request that CFC correct the personal information it collects, the right to request that CFC deletes the personal information it has collected from Site User, and the right not to receive discriminatory treatment for the exercise of Site User’s CCPA privacy rights.

To exercise these rights, Site User may do so by emailing support@Christensenfc.com.. In Site User’s request, Site User is asked to provide the following:

Required Information	Optional Information
First Name & Last Name	Alternate / previous address that might help CFC identify Site User or the California resident whose personal data is being requested in CFC’s systems. Examples include:An address used for Site User’s CFC account (if different from current California Residential Address)Previous residential / business address
Purpose of Site User’s request (access, know, correct, or delete)	Other information that may help CFC identify Site User or the other person, for example middle name, maiden name, suffix, nickname, etc.
Current California Residential Address
Indicate whether Site User has or had a CFC account and what type of account or whether Site User has beenemployed by CFC.
Preferred method of receiving CFC’s response (mail / email).
E-mail Address – required if requesting response by email
Phone number – required for verification purposes (through which CFC may contact Site User or another person)
If Site User is submitting this request on behalf of another person, please provide this additional information:
If Site User is submitting this request on behalf of another person, please provide this additional information: Site User’s name Site User’s contact information What is Site User’s authorization to make this request? Registered with the California Secretary of State Power of Attorney; or Parent/Legal Guardian of a Minor

Please note that Site User’s request must:

Provide sufficient information that allows us to reasonably verify Site User is the person about whom CFC collected personal information or an authorized representative.

Describe Site User’s request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

CFC cannot provide Site User with personal information if CFC cannot verify Site User’s identity or authority to make the request or CFC cannot confirm the personal information relates to Site User. Making a request does not require Site User to create an account with us. CFC will only use personal information provided in Site User’s request to verify Site User’s identity or authority to make the request.

IMPORTANT: These rights are not absolutely guaranteed and there are several exceptions where CFC may not have an obligation to fulfill Site User’s request. CFC is only required to honor these rights to the extent CFC acts as a controller of that data and the requested rights have been granted and apply to Site User under applicable data privacy laws. Please consult Site User’s local data privacy laws to determine what rights may be available to Site User and when access to these rights is limited. Site User may appeal an adverse decision on Site User’s requests by emailing or writing to us, and Site User has the right to lodge a complaint to Site User’s local regulator if Site User is not satisfied with CFC’s responses to Site User’s requests or how CFC manages Site User’s personal information. However, CFC encourages Site User to first contact support at CFC to address their concerns directly.

CFC processes sensitive personal information only for those purposes expressly permitted under California law.

Changes to CFC’s CCPA Policy

CFC reserves the right to amend this privacy policy at CFC’s discretion and at any time. When CFC makes changes to this privacy policy, CFC will notify Site User by email or through a notice on this page.

CHRISTENSEN FINANCIAL CONSULTING, PLLC

COOKIE AND IBA POLICY

Last Revised: July 15, 2025

This Cookie and IBA Policy supplements CFC’s Privacy Policy and specifically explains how CFC and CFC’s third-party business partners deploy cookies and other tracking technologies ( “Tracking Technologies”), including for interest-based advertising (IBA), as well as the options Site User has to control them.

What are cookies and other tracking technologies?

“Cookies” are small pieces of data, stored in text files, that are stored on Site User’s browser, computer, or other device. The cookies CFC uses may include “flash cookies” (or “local shared objects”) and “HTML5 cookies” that store information on Site User’s device (outside of Site User’s browser) and are specific to content supported by Adobe® Flash or HTML5. CFC and CFC’s third-party business partners may also use other tracking technologies such as “web beacons” (also known as “tags” and “pixels”) which are small images embedded in CFC’s Services, content, or emails, as well as “embedded scripts” which are pieces of code that are temporarily downloaded onto Site User’s device. These other tracking technologies are often used in conjunction with cookies, but may be stored on Site User’s device in a different manner from cookies so disabling cookies may not also disable these tracking technologies.

These Tracking Technologies may be operated and set by CFC (known as “first party trackers”) or by CFC’s third party business partners, such as social media networks, advertising networks, and content providers, (known as “third party trackers”); and can be set either for a single visit (through a “session tracker”) so they are deleted after that visit or remain on Site User’s device to persist for multiple repeat visits (through a “persistent tracker”) for a specified period.

Why does CFC use cookies and other tracking technologies?

CFC uses Tracking Technologies for several different purposes: these technologies are widely used to remember Site User and Site User’s preferences and understand how Site User interacts with CFC so that CFC may perform essential functions (such as to provide CFC’s Services or deliver content and allow users to register and remain logged in), personalize CFC’s Services and content and ensure a quality, consistent, and efficient experience for CFC’s users, analyze Site User’s usage of CFC’s Services and interactions with content (including emails), and to deliver and measure advertising (including IBA).

How can Site User control the use of Tracking Technologies?

CFC will ask for Site User’s consent for the use of Tracking Technologies, except where such Tracking Technologies are strictly necessary for CFC to operate its website and/or to provide Site User with a service. For this purpose, Site User may see a “cookie banner” on some of CFC’s Services, which allows Site User to manage CFC’s use of cookies and other Tracking Technologies – click on the banner for more information regarding which cookies are used on that particular Service and what Site User may disable, but please note that Site User cannot disable any Tracking Technologies that are categorized as strictly necessary. Site User can withdraw any consent to the use of Tracking Technologies or manage preferences by selecting “Cookie Preference” at the bottom of each page of the CFC Site.

Site User may also restrict the use of cookies or completely prevent them from being set. Most modern browsers allow Site User to change cookie and other tracker settings, and Site User can usually find these settings in the options or preferences menu of Site User’s browser. Flash cookies can only be deleted within Adobe Flash rather than via Site User’s browser, and please refer to this Adobe help page for information on how to manage Flash cookies. Additionally, Site User can opt- out of Google Analytics by installing Google’s opt-out browser add-on.

Please be aware that some of the features of CFC’s Services may not function correctly if Site User disables all cookies or other technologies.

Does CFC honor Do Not Track Signals?

Generally, CFC does not currently respond to or take any action with respect to web browser “do not track” signals; however, in some instances, CFC’s third-party business partners who integrate within CFC’s Services will honor do not track signals.

List of cookies

Necessary Cookies

Strictly necessary cookies are required to provide you with the best experience when navigating through our website. Without the strictly necessary cookies we cannot provide some functionality necessary for our services and navigational redirects.

Cookie	Expires	Description
wordpress_logged_in_[hash]	Session	The wordpress_logged_in_[hash] cookie is a strictly necessary authentication cookie used by WordPress to indicate when a user is logged in and identify who they are for the front-end interface.
wordpress_sec_[hash]	Session	The wordpress_sec_[hash] cookie is a secure, first-party session cookie used by WordPress to store authentication details for logged-in users, specifically within the /wp-admin/

Functional Cookies

Functional cookies help us to improve your experience on our website through enhanced functionality. The cookies may be set by us or by third party providers whose services we use. If you do not allow these cookies then some or all of these services may not function properly.

Cookie	Expires	Description
_lscache_vary	48 Hours	A functional, server-level cookie used by LiteSpeed Cache (LSCache) to manage website performance. It tracks user state—such as login status, user roles, or device type—to serve the correct cached version of a page (e.g., distinguishing between a logged-in user and a guest)
litespeed_qc_hide_banner	1 Year	A functional cookie used by the LiteSpeed Cache plugin for WordPress to remember that a user has interacted with or dismissed a banner, such as a cookie consent notice or an admin-related notification.
trigger-domain-status-daily-shown-event	24 Hours	A technical tracking cookie used by websites to manage the frequency of user-facing elements, such as consent banners, marketing pop-ups, or notifications.
trigger-hosting-status-daily-shown-event	24 Hours	A functional cookie used to track whether a specific event or banner—often related to website hosting status or a daily notice—has already been displayed to a user within a 24-hour period.
wp-settings-{UID}	1 Year	The wp-settings-{UID} cookie is a functional, first-party cookie set by WordPress for logged-in users to personalize their dashboard and admin interface experience. It stores user-specific preferences, such as collapsed menus, open meta boxes, or screen options. The {UID} represents the individual user ID from the database.
wp-settings-time-{UID}	1 Year	The wp-settings-time-{UID} cookie is a functional cookie set by WordPress to personalize the admin interface and, occasionally, the front-end site view. The {UID} represents the user ID from the database, and the cookie stores preferences like keeping menus open or managing plugin settings.

Analytical Cookies

Analytical cookies (also known as ‘performance cookies’) help us to know which pages are the most and least popular and see how visitors move around the website. These are non-essential cookies that the used to better our platform. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Cookie	Expires	Description
N/A

Marketing Cookies

These cookies may be set through our site by our advertising partners and used by us to measure our marketing activity. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store your contact details, but are based on uniquely identifying your browser and internet enabled device.

Cookie	Expires	Description
N/A

What is Interest-Based Advertising?

“Interest-based advertising” (IBA) is also commonly referred to as “targeted advertising”, “online behavioral advertising”, and “personalized advertising”, and it generally means the delivery of personalized or targeted advertising to Site User that are tailored to Site User’s specific interests and demographics. IBA may also include analytics and reporting related to those advertisements (such as ad measurement and attribution, segmentation, and market research).

CFC may send Site User IBA based on the use of Tracking Technologies and other information Site User makes available to us when Site User interacts with CFC’s Services, content, and advertisements. CFC engages various third-party business partners to serve Site User IBA and CFC may share with those third-party business partners certain information about Site User and CFC’s Tracking Technologies to do so. Some of these third parties will deploy their own Tracking Technologies on CFC’s Services and content when doing so, in which they automatically receive Site User’s IP address, browser or device information, and other information from these Tracking Technologies. Some of CFC’s third-party business partners (and their business partners) may also use or provide us with additional information about Site User that they have independently collected, from offline and online sources to better target and provide Site User with more relevant and useful advertising. Some of these third parties may collect personal information about Site User’s online activities over time and across different websites. Please note that CFC does not control the privacy practices of these third parties, and their privacy practices are not covered by this Privacy Policy.

How can Site User opt-out of IBA?

In addition to the above, Site User may also be able to choose not to receive IBA from participating companies that participate in either:

The Digital Advertising Alliance (DAA), in which Site User may opt-out of IBA using this DAA tool; and/or

The Network Advertising Initiative (NAI), in which Site User may opt-out of IBA using this NAI Opt Out Tool; and/or

The AppChoices App for opting out on mobile devices.

Certain mobile devices may have an advertising identifier that allows companies to serve IBA to a specific mobile device using that identifier. Depending on Site User’s specific device, Site User may be able to limit advertising, sharing of that advertising identifier, or reset the advertising identifier, as well as choose to turn off the device’s location tracking – including precise geolocation tracking – on Site User’s mobile device or for certain applications. See Site User’s device manufacturer to understand what options are available to Site User. For more details on Site User’s choices regarding use of Site User’s web browsing activity for IBA Site User may also visit the following sites:

networkadvertising.org, optout.aboutads.info and Site User’sadchoices.com.

Next, some of CFC’s Services may also display Do Not Sell My Personal Information or Do Not Share My Personal Information links (or similarly named links), in which clicking those links may allow Site User to opt-out of the “sharing” or “selling” of Site User’s personal information as required by certain local privacy laws. Doing so may limit how CFC and CFC’s third- party business partners may use Site User’s personal information in connection with IBA.

Please note some of the options described above are browser-specific or device-specific, so Site User may need to opt-out again if Site User uses a different device or changes browsers. Please also note that, even if Site User opts-out of receiving IBA, Site User may still receive advertisements and marketing materials, but they may not be personalized to Site User specifically.